What business does credit in a broad sense include? The relevant content is as follows:

1. Loan business:

Loans refer to financial institutions providing funds of a certain amount, term and interest rate to customers, and the customers repay the principal according to the agreed term and method. and interest. The loan business includes personal loans (such as personal consumption loans, housing loans, etc.) and corporate loans (such as business operating loans, investment loans, etc.).

2. Credit card business:

Credit card is a convenient financial tool. The cardholder can spend at any time within the credit limit, and within a certain period after the repayment date, according to the The contract stipulates repayment. Credit card business is widely used in the field of personal consumption.

3. Bill discounting business:

Financial institutions can provide customers with bill discounting services, that is, paying the face amount of commercial bills held by customers in advance, and then paying the bills when they mature. The acceptor pays the financial institution.

4. Letter of guarantee business:

A letter of guarantee is a guarantee certificate in which a bank promises a third party to pay a certain amount of guarantee under specific conditions. Letters of guarantee are widely used in fields such as international trade and engineering construction to guarantee the rights and interests of both parties to the transaction.

5. Guarantee business:

Financial institutions can provide guarantee services to customers, assume certain guarantee responsibilities, and help customers obtain loans or complete transactions. Guarantee business usually includes credit guarantee, mortgage guarantee, pledge guarantee and other forms.

6. Leasing business:

Financial institutions can provide various types of leasing services, including financial leasing, equipment leasing, etc., to help customers obtain the equipment or funds they need and pay rent on schedule. .

7. Foreign exchange business:

Financial institutions can provide services such as foreign exchange exchange, foreign exchange buying and selling, and foreign exchange forward transactions to meet customers' cross-border trade and investment needs.

8. Insurance business:

Although insurance business is not a traditional credit business, insurance companies also belong to the category of financial institutions. Insurance business includes life insurance, property insurance, health insurance, etc. to provide customers with risk protection.